Data / Federal rules / 2025-19864
Equal Credit Opportunity Act (Regulation B)
The Consumer Financial Protection Bureau published this proposed rule in the Federal Register on November 13, 2025. Comments closed on December 15, 2025.
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What the agency says
The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a proposed rule for public comment that amends provisions related to disparate impact, discouragement of applicants or prospective applicants, and special purpose credit programs under Regulation B, the regulation implementing the Equal Credit Opportunity Act (ECOA or Act). The amendments would facilitate compliance with ECOA by clarifying the obligations imposed by the statute.
Key facts
- Document number
- 2025-19864
- Type
- Proposed rule
- Action
- Proposed rule; request for public comment
- Agency
- Consumer Financial Protection Bureau
- Published
- November 13, 2025
- Comments due
- December 15, 2025
- Dates
- Comments must be received on or before December 15, 2025.
- Docket
- Docket No. CFPB-2025-0039
- Regulation ID (RIN)
- 3170-AB54
- Code of Federal Regulations
- 12 CFR 1002
- Topics
- Banks, banking; Civil rights; Consumer protection; Credit; Credit unions; Marital status discrimination; Penalties; Religious discrimination; Reporting and recordkeeping requirements; Savings associations; Sex discrimination
- Significant
- Yes, under Executive Order 12866
- Pages
- 23
Other documents from the Consumer Financial Protection Bureau
| Document | Type | Published |
|---|---|---|
| Request for Information Regarding Promoting Access to Mortgage Credit 2026-13834 | Proposed rule | Jul 9 |
| Financial Data Transparency Act Joint Data Standards 2026-12787 · significant | Final rule | Jun 25 |
| Equal Credit Opportunity (Regulation B); Special Purpose Credit Programs; Rescission 2026-12149 | Final rule | Jun 17 |
| Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) 2026-08494 · significant | Final rule | May 1 |
| Equal Credit Opportunity Act (Regulation B) 2026-07804 · significant | Final rule | Apr 22 |
| Equal Credit Opportunity Act (Regulation B) C1-2025-19864 · significant | Proposed rule | Feb 25 |
| Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold 2026-00087 | Final rule | Jan 7 |
| Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold 2026-00085 | Final rule | Jan 7 |
Everything from the Consumer Financial Protection Bureau · Rules on banks, banking · Rules on civil rights · Rules on consumer protection · Published in November 2025
Read from the Federal Register API, last updated 2026-10-23. The document on federalregister.gov is the official record; dates and dockets can change through later corrections. Free to reuse with credit to SpecStream under CC BY 4.0.